Renato Gomes is the Deputy-Governor for Licensing and Resolution of the Central Bank of Brazil. Among other responsibilities, he is in charge of the Central Bank’s competition and innovation policies. Born in the city of Rio de Janeiro, Renato holds a bachelor’s and master’s degree in Economics from PUC-RJ, a PhD from Northwestern University and an HDR from the University of Toulouse. Before joining the Central Bank, he was Professor at the Toulouse School of Economics and Senior Researcher at the Center National de la Recherche Scientifique (France). Specialist in Economics of the Public Sector and Industrial Organization, he has written articles on auction design, competition policy and regulation of payment methods.

Richard Palmer, Ph.D., CPA, CMA is a senior lecturer at the Olin Business School at Washington University in St. Louis. Prior to academic work, he held management positions in both public accounting and the banking industry.

Richard is one of the world’s foremost experts on business and government applications of commercial card payment technology. His research has been quoted in U.S. Senate hearings, the Wall Street Journal, ABC News Good Morning America, Business Week, CNN Money, and CBS News MarketWatch, among others. His publications include numerous academic and practice-oriented journals, including the Journal of Accountancy, CPA Journal, Treasury and Risk, Journal of Payment Systems and Strategy, Strategic Finance, and Journal of Emerging Technologies in Accounting.

His most notable contribution to the commercial card world is as the co-creator (with Mahendra Gupta of Washington University in St. Louis) of purchasing card, travel card, and virtual card benchmark surveys, efforts that have included every major card issuer and over eight thousand commercial card-using organizations since 1998.

Tasha is the product manager for Santander’s Commercial Card program, serving middle market, corporate and multinational companies. She has an extensive career in banking, including card issuing and merchant acquiring, both in the US and the UK.

Lizzie leads the Commercial Banking Commercial Card product solutions, serving the Middle Market and corporate clients, from pre-profit startups to $2B-sized corporations. She has spent most of her career in strategy, consulting for Fortune 100 clients to venture-backed startups. She has led teams to define go-to-market strategies, create operating models, and ideate customer-centric offerings, among other functions. She received her MBA from Chicago Booth, and has been selected as one of 30 women future leaders in payments by Money 20/20 in 2021 and for ETA Transact’s Forty under 40 leaders of the payments industry in 2023.

Stephanie Wilczewski is a Director and Senior Product Manager responsible for B2B Payables Strategy and New Initiatives within Bank of America’s Global Payment Solutions group. In this role, she spearheads the delivery of innovative solutions from ideation through to full go-to-market launch for the Intelligent Payables product suite. At Bank of America, Stephanie has also managed AP Automation Solutions, including launching an invoice to payment automation product for middle market clients. Prior to joining the bank, she worked at a Procure-to-Pay fintech in a variety of roles supporting bank-channel partnerships.
Stephanie is tapped for her expertise on: fintechs and competitive landscape, the value of invoice automation as a launching pad for payments discussions, and consulting clients on rethinking how they manage their payments strategy. With her passion to share knowledge and develop those around her, Stephanie is sought after for sales and product trainings, client meetings, and industry webinars. Bridging the gap between business and technology, along with her commitment to innovation and client satisfaction, has been a driving force throughout her career.
Stephanie is a graduate of the University of Alabama and received a certificate from Harvard’s Management Development Program. She resides in Charlotte, North Carolina, with her husband and two children.

Harry joined PNC in October 2021 and is an SVP leading the Commercial Card Product Management and Development Organization.

Harry is a performance driven Treasury Management executive with over 25 years of proven history leading diverse cross functional teams. Accomplished product architect in the Commercial Card and Payments industry, with a history of success in delivering solutions to market. Recognized for increasing automation, efficiency, and improving client experiences in the Treasury Management space.  Harry also served as a Captain in the U.S. Marine Corps for 8 years.

Tracy is an experienced product executive with a proven track record of launching new payments solutions and experiences. Currently the Head of Commercial Card and Payables at TD Bank, she leads a dynamic product team responsible for delivering faster payment solutions, including RTP and small business Zelle, integrated payables and Commercial Cards. With over 20 years of experience in the payment industry, Tracy has a passion for driving results and cultivating confidence. Prior to her current role, she held positions at JPMorgan, HSBC and Bank of America. She is based in Chicago, IL.

Bridgit Chayt serves as executive vice president, and head of commercial payments and treasury management for Fifth Third Bank, N.A. She oversees the strategic direction of commercial payment and depository services, including commercial card issuing and acquiring activities.

Before joining Fifth Third in 2016, Bridgit spent more than two decades in financial services, serving in various roles with Midwest Guaranty Bank and Comerica Bank, where she served as executive vice president and director of treasury management and business deposit services. She has a track record of delivering market-leading revenue growth, product innovation, customer loyalty and risk performance for treasury management, merchant services, commercial card and government card programs.

Bridgit’s experience also includes global corporate marketing, commercial banking and wealth management. She started both a bank and holding company in Troy, Michigan, focused on providing banking services to middle market companies and their owners. Her background also includes experience in education, human resources and operations management.

Education
Bridgit earned her bachelor’s degree in English and political science from St Joseph’s College in Rensselaer, Indiana. She went on to study at the Graduate School of Banking in Boulder, Colorado, and University of Chicago-Booth School of Business.

Professional and Civic
Bridgit serves as a board member of Cincinnati’s Mercantile Library, the Dallas Business Council for the Arts, United Way’s Women of Tocqueville Society and Friends of the Bloomfield Township Library in Detroit. She previously served on the boards of Girl Scouts of Southeastern Michigan, United Way Women’s Initiative Southeast Michigan and Boys & Girls Club of Troy, Michigan. In 2023, she led Fifth Third’s ArtsWave employee campaign, which raised $1 million for Greater Cincinnati’s cultural organizations.

Holly Tennent is a Senior Product Manager responsible for B2B Payables Revenue Strategy & Growth at Bank of America. In her current role, she is focused on shaping the B2B card and payables solutions strategy including fintech partnerships, client enhancements, and supplier experience. Prior to her current role, Holly spearheaded a strategic initiative to reshape the Virtual Payables solution and Supplier Enablement structure to drive significant growth. Prior to joining BofA, she spent nine years at Bottomline Technologies, most recently in a solutions consultant capacity supporting BofA where she assisted clients with the functional and technical aspects of the Paymode-X solution. Holly believes in building lasting relationships and trusted partnerships, shown through her attention to detail and ongoing focus on the client experience

Jonathan Oakes is the Head of commercial cards at SVB, a division of First Citizens Bank, where he has been critical in designing and delivering best in class card-based payment solutions across all SVB’s clients, from newly incorporated start-ups through late-stage companies. Jonathan has championed multiple initiatives to assist businesses of any size with simple to get, simple to use solutions that can scale with clients rapidly along their growth journey at SVB. Prior to SVB Jonatan led treasury and trade solutions at Citi, delivering innovative digital payment solutions for global co-operations across 65 unique markets. He has a degree from Georgetown University. In his free time, he enjoys family hikes in the Hudson Valley, while carrying his 3-year-old daughter on his back.

Paul is a Managing Director and leads the merchant services business that supports the Commercial and Corporate Banking segments for Wells Fargo. He has responsibility for all aspects of the business segment, including financial performance, business development and relationship management.

Paul has been with Wells Fargo since 1998 in a variety of roles in the treasury and merchant services businesses.

Paul has his Master’s in Business Administration from Wake Forest University and Bachelor of Business Administration from Ohio University. He is also a Certified Treasury Professional and Certified Payments Professional.

Maria is the Head of Customer Engagement, Portfolio Management & Commercial Card at FNBO, where she leads a dynamic team dedicated to optimizing commercial payments programs for organizations seeking to streamline their accounts payables processes, reduce risk and maximize cash flow.With a focus on creating a best-in-class customer experience, Maria collaborates closely with her team and FNBO professionals who share her commitment to excellence. Her approach is client-centric, ensuring that each engagement is tailored to meet the unique needs of FNBO’s diverse customer base. Maria’s expertise extends to portfolio management, where she oversees the strategic growth and sustainability of commercial payments portfolios, ensuring they align with the evolving needs of the market and FNBO’s clients.Before assuming her current role, Maria served as the Head of Account Management at FNBO, where she honed her skills in client relationship management, portfolio oversight and delivering a successful commercial card strategy. Her extensive experience also includes roles overseeing Supplier Recruitment, Strategy, and Partnerships at leading financial institutions, where she was responsible for driving supplier engagement and creating mutually beneficial partnerships.Early in her career, Maria gained valuable experience in human resources and account payable, which has equipped her with a deep understanding of business operations and the ability to engage with clients of all sizes effectively. She holds a degree in Business Administration from the University of Arizona and is an active member of professional organizations such as NAPCP, AFP, and IOFM.Outside of work, Maria is passionate about spending quality time with her friends and family. She cherishes moments with loved ones. Maria also has a love for travel and enjoys capturing the beauty of new destinations through her camera lens.

Responsible for BBVA Commercial Cards solutions strategy enabling local, regional and global enterprises to homogeneously manage the expenses made with commercial cards in Europe & Latam. Sergio has 15+ years experience in Payments Systems, first in Spain (consumer issuing, acquiring and innovation) and since 2012 in global positions focused on commercial cards. Sergio has a Master Degree in Computer Science from Deusto University (Spain) and Aalborg University (Denmark). He also has a Executive MBA from Esade Business School (Spain).

Tony leads the Umpqua Bank Commercial Card sales, support, and supplier enablement teams as well as our merchant services partnership with WorldPay. Tony also co-leads Umpqua Bank’s cross functional payments council to help explore new and developing consumer and business payments. Tony came to Umpqua Bank through the Sterling Bank merger in 2014 and has been with the combined companies since 2004 leading and growing the bank’s card based payments business. Tony began his career in 1992 with West One Bank and has held various roles at US Bank, Wells Fargo, and local community banks and has 25+ years of experience in payments, cards, and acquiring business lines. A graduate of University of Oregon, Northwest Intermediate Banking School, and the ABA School of Bankcard Management, Tony lives in Portland Oregon with his wife and 3 daughters. He serves as Treasurer of Eastside Portland Lacrosse, coaches youth volleyball and is an avid Oregon Ducks fan.

Joining Commerce Bank in 2013, Jason brings almost 20 years of experience in the invoice process and payment industry. In his role, Jason manages a team of solution consultants and also consults with clients in various industries to determine where efficiencies would be gained and cost savings realized in their accounts payable process. Jason is able to analyze the current AP process while establishing strategic goals and outlining the steps and best practices required to automate processes within AP. He also arms businesses with comprehensive ROI justifications through inclusive payments strategies.

Erik VanBramer was named senior vice president and national sales director for the Federal Reserve Bank of Chicago’s Customer Relations and Support Office (CRSO) effective April 2018. VanBramer has served as the national sales director since 2017 and was previously vice president and director of the Federal Reserve Bank’s national account program. In his current role, he is responsible for setting and implementing the strategy for managing the relationships and financial services offerings for financial institutions across the Federal Reserve System.

VanBramer joined the Federal Reserve Bank of Kansas City in 1998 and transitioned to the Federal Reserve Bank of Chicago in 2005. His tenure with the Federal Reserve has encompassed multiple areas of management responsibility to include operations, internal support functions, as well as business development. VanBramer was promoted to assistant vice president and national account executive in 2010. He was promoted to vice president in 2014 with responsibility for leading the group which managed the relationships for the large and complex financial institutions.

VanBramer holds a bachelor’s degree from The Colorado College and has done additional graduate studies at The Lake Forest Graduate School of Business, The Booth School of Business, and obtained his certificate from the Graduate School of Banking at The University of Colorado. He serves on several boards throughout the Denver metro area with particular interest in injury prevention and underserved children and communities.

Ray joined Webster Bank in July 2023 as Managing Director, Enterprise Payments and currently leads Product Management for Commercial Card. Ray oversees several disciplines to drive competitive differentiation including strategy, innovation, partnership development and most importantly, customer experience for its Commercial Banking customers. Previously, Ray held similar roles at Citizens Bank and prior to that, led Commercial Products at Mastercard in North America managing Product development and management initiatives for the small business, mid-market, large market and public-sector segments. Ray was charged with developing a differentiated product strategy across a host of Commercial Card assets. In addition, Ray also led Mastercard’s relationships with a number of issuers including J P Morgan, WEX, HSBC, and Citizens spanning credit, debit, prepaid, cobrand, and commercial card portfolios. Ray lives in Connecticut with his wife and 2 daughters.

Kristin Heffner is a commercial payments expert at Visa, where she partners with financial institutions to drive growth by launching innovative business payment solutions and strategies in the large and middle markets. With much of her career in financial services and specifically commercial payments, including Visa and American Express, Kristin has partnered with corporates of varying sizes to understand their business needs and solve complex money movement challenges.

Kristin received a BS from Villanova University and thrives on learning and growing through networking and connecting with others. She lives outside of Philadelphia with her husband and two daughters, enjoying travel, reading, cheering on her daughters in sports, and staying active outdoors.

Lia Cao is a Managing Director, Head of Embedded Finance & Solutions at J.P. Morgan Payments in the Corporate and Investment Bank (CIB). In this role, Lia leads a global product and solutioning team to build and deliver a full suite of innovative and scalable embedded finance products, industry-tailored payment solutions and value-added services that power our clients to transform commerce experiences for their ecosystem participants. The embedded finance product suite ranges from embedded payments, lending to banking solutions. Value-added services include trust & safety and data & analytics. And the industry solutions cover healthcare payment solutions, mobility payment solutions, gaming and more.Prior to this role, Lia co-led the global corporate and e-commerce sales and solutions teams that covered over 2,000 clients globally. The team delivers integrated solutions that meet complex client needs, incorporating all aspects of the firm’s holistic payments offering: Treasury Services, FX, Merchant Acquiring, Commercial Card and Trade.Prior to that, Lia was the Head of Wholesale Payments Solutions and North America Head of Treasury Services (TS) Corporate Sales at J.P. Morgan. In her solutions role, Lia was responsible for the overall global solution strategy to maximize commercialization of the firm’s capabilities with some of our largest and most strategic global clients. In her sales role, Lia led the NA TS Corporate Sales team across all industry segments, cover over 700 NA headquartered large corporations.Previously, Lia held various executive roles including the Head of Business Transformation for Treasury Services and Head of CIB Strategy in the Americas. Lia joined J.P. Morgan in 2011 in the Corporate Strategy Group and was responsible for leading many cross line of business initiatives.Prior to joining J.P. Morgan, Lia worked as an Associate Principal in McKinsey & Company, a leading global management consulting firm. She spent more than five years at McKinsey, serving a wide range of banking and capital markets clients.Lia holds a Ph.D Degree from Massachusetts Institute of Technology in Urban Economics and Real Estate Finance. She holds Bachelor and Master Degrees from Tsinghua University in Beijing, China.

Ian Stewart is a Senior Vice President at Truist and the leader of the Commercial Card product management and product delivery functions. He also has oversight of the client rebate and credit portfolio monitoring processes. He is a 20 year veteran of the banking and payments industry. He makes his home in Atlanta, Georgia with his wife and two sons. He spends his free time coaching, running and going to the beach.

Ms. Crawford has 15+ years’ experience in commercial payments. She currently works on the MUFG Commercial Card team. Prior to joining MUFG, Ms. Crawford worked as a practitioner in Accounts Payable where she gained experience implementing and managing ePayables, purchasing cards and travel programs in the healthcare industry. Ms. Crawford has extensive knowledge with commercial card supplier enrollment, best practices and industry standards.

Blake Hoelscher joined Chevron in 2020 and brings over 13 years of expertise in global oil & gas working capital improvement, T&E expense management, and expense audit/compliance. Recognized both internally and externally, Blake has successfully implemented technology and automation-first solutions in card, audit, and expense management, as well as working capital improvement. Whether it’s leading initiatives to globally source payment solutions, streamline/automate processes with RPA, or automating expense reviews, he can speak the language that translates cross-functionally in these areas.

Danielle Amoroso is Associate Director of Travel & Expense for Otsuka America Pharmaceuticals, Inc based in Princeton, NJ. Since October 2018, Danielle has set out to innovate and transform the travel program with a forward-thinking yet all-inclusive approach. Within her first year in this role, Danielle consolidated Otsuka’s travel program in North America (including the travel program at 14 affiliated companies) and Europe (including 8 affiliated companies) under one global TMC. The most impactful and innovative decision involved eliminating all transaction fees when she elected for a partnership fee pricing model. Danielle continues to improve and enhance the Otsuka travel program by adopting and implementing policies and technologies as the travel industry evolves. Danielle feels passionate about traveler safety and continually puts focus on Duty of Care while also striving for superior service for Otsuka employees.

Before her time with Otsuka, Danielle distinguished her work ethic while employed for various hotel companies like Kimpton Hotels & Restaurants, Hyatt, and Hilton in various capacities ranging from Director of Housekeeping to National Facilities Manager for Hotel Openings & Transitions, and Director of Business Transient Sales.

Danielle resides outside of Philadelphia with her husband – Tim, 9-year-old daughter – Ellarose, and her Aussiedoodle puppy, Maggie. Her passions include working out, food & wine, travel, and adventures with her family.

Jami Stapelmann is a business professional with a rich background in strategic planning, project management, and innovation, primarily within the travel and hospitality sector. Her career trajectory has seen her start as a buyer for Macy’s department stores before transitioning into various management and leadership roles. Currently, she serves as the Executive Director of Global Travel and Meeting Services at Estee Lauder Companies, where she leverages her expertise to drive the company’s travel and meeting strategies on a global scale.

Jami’s contributions and leadership in the industry have been recognized by several prestigious publications and organizations. She was honored as one of the Top 25 Influencers in the Meetings Industry by Successful Meetings and was also selected as one of the Top 25 Women in the Meetings Industry by Meetings and Conventions Magazine in October 2017. Moreover, she was acknowledged by Business Travel News (BTN) as a 2022 Best Practitioner for her innovative partnership strategies that foster connections between companies and Estee Lauder Companies, extending beyond shared travel concerns.

Jami’s educational background includes a Bachelor of Science degree from the University of Wisconsin, providing her with a solid foundation for her professional endeavors. Additionally, she holds a GLP (Global Leadership Professional) designation from the Wharton School, further attesting to her commitment to excellence and leadership in the global business landscape.

Roy Parra leads Portfolio Management for Commercial Cards in Citi, where he is responsible for the optimization of profitability and efficiency in the deal management process and has direct ownership of the Pricing, Billing, and Rebate Platforms. Roy has been 15 years with Citi mainly in the finance Function and supporting the Treasury and Trade services business on Financial Planning and Analysis as well as leading profitability and analytics projects. originally from Colombia enjoys spending Family time, running, and playing tennis.

Félix has more than 10 years of B2B experience across multiple industries and multiple verticals of the Payments industry and is currently focused on driving card acceptance of corporate payments, facilitating supplier enablement and enhancing our end-to-end client processes at Citi.Prior to joining Citi, Félix spent 7 years at American Express, within the Global Merchant and U.S. Consumer business units, where he focused on B2B acceleration initiatives, supported merchant acquisition onto the Amex network, and designed lending product strategies for consumers. Félix holds a Master’s in Operations, Projected and Supply Chain Management from Manchester Business School, and an MBA from Yale School of Management.

Chris joins Webster with a diverse 20+ years background in the financial services industries ranging from Guardian Insurance, Meryl Lynch and American Express. His last 10 years focused on helping companies to strategically use their expenses to generate revenue and automate payments via Corporate Card platform.

Leigh Radtke leads the North America Product organization for Visa Commercial Solutions leading a team of product experts who focus on bringing innovative payment products and solutions to life for Visa’s bank clients and technology partners to enable small, medium and large businesses to grow and thrive.

Since joining Visa in 2011, Leigh has held business executive roles in B2B Product, Processing Technology and Client Services.

Leigh’s career achievements as an innovator, thought leader and patent holder are interwoven with the evolution of Digital, Web, Mobile technologies.

Prior to joining Visa, Leigh led Strategy, Product Management and Business Development for innovative technology companies large and small with an emphasis on B2B commerce, Bill Pay, Digital / Mobile solutions and Internet of Things.

Leigh resides in the Denver CO metropolitan area with her husband Mark and three Labrador retrievers, Nash, Takoda and Talulah.